If Gulf Coast Collection Bureau shows up on your credit report, it likely means an unpaid medical debt has been sent to collections. This can lower your credit score and make it harder to get approved for loans, credit cards, or even rental housing.
Here’s how to deal with Gulf Coast Collection Bureau and work toward getting them removed from your credit report.
Who Is Gulf Coast Collection Bureau?
Gulf Coast Collection Bureau, Inc. (GCCB) is a debt collection agency based in Sarasota, Florida. They’ve been operating for over 40 years, working with healthcare providers to collect unpaid medical bills. If you’ve fallen behind on medical payments, the account may have been turned over to GCCB, resulting in a collections account on your credit report.
Who Does Gulf Coast Collection Bureau Collect For?
Gulf Coast Collection Bureau specializes in medical debt collection. Their clients include:
- Hospitals
- Clinics
- Healthcare providers
- Medical institutions
These debts often involve unpaid charges for medical treatments, hospital stays, surgeries, or other healthcare-related services.
Is Gulf Coast Collection Bureau a Scam?
No, Gulf Coast Collection Bureau is not a scam. They are a legitimate debt collection agency authorized to collect on behalf of healthcare providers.
That said, always verify the details of the debt before agreeing to pay. Errors can happen, and inaccurate information may appear on your credit report.
How to Remove Gulf Coast Collection Bureau from Your Credit Report
Collection accounts can stay on your credit report for up to seven years, but there are ways to try to get them removed sooner:
- Dispute inaccurate information: If the debt isn’t yours or the details are incorrect, file a dispute with the credit bureaus.
- Request debt validation: You can ask Gulf Coast Collection Bureau to provide written proof that the debt is valid. If they can’t, they must stop reporting the account.
- Negotiate a pay-for-delete: In some cases, you may be able to settle the debt in exchange for having the account removed. Always get this agreement in writing.
- Work with a credit repair company: Professionals can help challenge unfair or inaccurate negative items and improve your chances of removal.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Gulf Coast Collection Bureau?
Before contacting Gulf Coast Collection Bureau or making a payment:
- Verify the debt belongs to you
- Confirm the amount is accurate
- Understand your rights under your state’s laws, including the statute of limitations
Be cautious—paying an old debt without a proper plan can sometimes restart the collection timeline and hurt your credit further. Many people work with credit repair experts to handle this process the right way.
Can Gulf Coast Collection Bureau Sue You or Garnish Your Wages?
Yes, Gulf Coast Collection Bureau has the legal right to sue for unpaid debts. If they win the lawsuit, they may:
- Garnish your wages
- Levy your bank accounts
These actions depend on your state’s laws. That said, lawsuits are typically a last resort. Most collection agencies attempt to negotiate payment plans or settlements before taking legal action.
Gulf Coast Collection Bureau Contact Information
Address:
Gulf Coast Collection Bureau, Inc.
5630 Marquesas Cir
Sarasota, FL 34233
Phone Numbers:
(866) 991-7360
(941) 927-6999
Gulf Coast Collection Bureau Complaints
Like many debt collectors, Gulf Coast Collection Bureau has received complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Common complaints include:
- Inaccurate reporting
- Harassment or excessive calls
- Failure to verify debts
If you experience these issues, you can file a formal complaint and take steps to protect your rights.
Your Rights When Dealing with Gulf Coast Collection Bureau
The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) protect you when dealing with debt collectors:
- You can dispute inaccurate information on your credit report
- You can request written debt validation within 30 days
- Harassment, threats, or abusive language is illegal
- Debt collectors must clearly identify themselves as a collection agency
- They cannot threaten arrest or legal actions they aren’t authorized to take
Knowing your rights makes it easier to deal with collection agencies and protect your credit.
Get Gulf Coast Collection Bureau Removed from Your Credit Report
If Gulf Coast Collection Bureau is damaging your credit and you want help, consider working with a trusted credit repair company like Credit Saint. They’ve helped thousands of people remove negative items from their credit reports—and they even offer a 90-day money-back guarantee for peace of mind.
Ready to clean up your credit? Visit their website or call (855) 281-1510 to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
